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1 hour ago, Batman1fan said:

I know what you mean, except I'm pretty sure it's real.  I mean, what can you say when someone makes the statement "They even offered to let me max out my card to the limit."  I'd love to hear where he got that idea from, and by hear, I mean a photo of the correspondence from the credit card company that makes that statement in writing.  If he would ever listen to anyone with more life experience than him, which is almost everyone, he'd know when you are issued a credit card, it usually has a limit and it's up to the cardholder to decide how to use it.  You want to use it responsibly, fine, the credit card company can live with that.  You want to max it out buying things you can't afford, they'll light up like a Christmas tree because that's where they make their money.  But, then again, that only applies to people  who actually pay the debts that they incur of their own free will.  It's called integrity.

 

 

 

 

 

The bank teller looked at his computer and told me the offer popped up when I came in to make a deposit. At the time I asked what my max limit was and he said 5k

1 hour ago, 1950's war comics said:

uchiha this "girl" 10 hours away sound like a catfishing situation...

 

Well I'm saying 10 hours since I checked the map, added my location and saw how long it would take by car give or take

2 hours ago, Action252Kid said:

I honestly don't believe that any of this can be real.  It is just mind-blowing.  Yet I keep coming back to read it  

Quite amazing in it's own way isn't it?

10 hours ago, BlowUpTheMoon said:

Can we assume he used the credit card to make in-game purchases?

Like I said stop making assumptions because they lead to nowhere.

13 hours ago, Patriot6 said:

So you were up all night playing elf sex quest and now will be sleeping all day and unable to attain employment......sounds about right. 

All this on the back of the tax payer, no less.

Bring back debtors prisons now!!

 

Your stupidity and assumptions never cease to amaze me. First off, I'm an adult and I'm allowed to play whatever and do whatever as long as it's against the law. Second, this isn't a game I play all day and night. Third, get off your day high horse with the tax dollars already. I started this game before even going on assistance and no it didn't interfere with my ability to get a job.

13 hours ago, Wall-Crawler said:

All this solidifies (if people didn't already come to this conclusion) is that you are in desperate need of some serious professional help. 

Because I want to change for someone I love? Like I said aside from my own doubts in my head which are always there I have no reason to not trust what she's saying.

13 hours ago, Wall-Crawler said:

You realize your "girlfriend" or "wife" or whatever is likely a dude right?

Well, I would but I have no reason to not believe what they say to mean because everything they have told me thus far has been true. I asked if she trusted me with her account info which she did and gave it to me. I tested it and indeed it worked and I was able to use it.

13 hours ago, comicdonna said:

I'm speechless.  

In a good or bad way?

I wanted to post a very important life update to me and I'm putting myself out there by saying this but it needs to be known.

I met an amazing girl 7 months ago that started off as a friend and eventually became my gf irl and being my wife in-game. She is one of the most amazing things that's ever happened to my life. The circumstances of which I was given a second chance with her no one on here would believe and yes this is the same gf I want to visit when I make my passport and save up money. She wanted to marry me in real life and I wanted the same with her until it got cut short. I promised her and God that I would become a better man and husband for her and I truly meant that.

Fast forward to now where 

She's taking a year off along with her sister to focus on herself and her life. I'll leave the entire album for everyone to read since I'm not ashamed of it. I truly hope this is a love of biblical standards. If it is then she will come back to me as promised, love me the same or more as she did when she left, and she will not think of cheating on me.

https://imgur.com/a/2d53n3D

So with that being said I too, will be taking a year to improve myself and become a better man and husband for her because it seems God is giving me a push and testing my faith, how far I'm willing to go and what I'm willing to change as per my promise. I will seldom post here from this point on only when I have an important update to make and nothing more. So I will take a day or two to let this sink in and allow comments before leaving.

22 minutes ago, newshane said:

No one is putting words in your mouth. 

You said you aren't paying the bank until YOU get ready to do so.

No? 

You told them to f-off. 

No? 

It doesn't work that way, no matter how you try to spin it. 

Others said that I never want to pay them off which isn't the case at all and putting words in my mouth. Don't believe me? Then check it yourself.

19 hours ago, revat said:

That's ok, sure I'm landlords don't do credit checks in the event he ever wants to move.

That's ok, I'm sure most employers don't do credit checks in the event he ever wants a better (or any) job.

That's ok, I'm sure that even in the highly unlikely event he finds some success in business and wants to get a business loan from a bank they won't do credit checks either.

 

In unrelated news, I was under the impression that Canada was relatively low-cost when it comes to public education, how much is junior/community college (or the Canadian equivalent), and do they teach trades there (mechanical, plumbing, clerical, nursing, fixing stuff, carpentry, medical assistants)?  Because in America, despite the high cost of SOME colleges and universities, MOST city/junior/community colleges are fairly cheap (though its relative, and I get people still need to work to pay for classes) for local residents, and have a decent financial aid available (assuming you haven't blown your credit to S--T).  I don't see why Canada would be more expensive for this. 

If someone was young and single and living with their parents, I think its pretty doable.  Even if its 4-5 years because you're working at the same time, you give yourself a chance at a real future.

 

 

Again I will reply back to you because I like the things you say

On 12/17/2018 at 10:26 AM, newshane said:

"They did me this disfavor..." 

Really? They did you a disfavor by lending you money?  

How about the disfavor you are doing them by refusing to pay back their money? 

Unbelievable. 

Wrong. Don't make assumptions. I'm thankful that they lent me the money. However, they did me a disfavor of not helping me out when I asked for it and tried to work things out with them.

On 12/17/2018 at 1:16 PM, revat said:

I've given pages and pages of advice in the old thread to fall mostly on deaf ears, but there is literally ONE WAY out of this, and the OP is lucky to even have that option, given that he's living at home.

Step 1: Find a job, any job.

Step 2:  Make a VERY SPECIFIC monthly budget. Stop ANY spending of money that isn't for food, rent, internet.  No gf, no friends, UNLESS you have a specific 'fun budget' every month.  Budget an amount that you're saving for school in the future (any SCHOOL.  Community college, trade school, etc)

STep 3:  Budget your time. I get that you like video games, limit it to 1hr a day AT MOST.  The rest of the time should be spent on things that make you better/smarter.  That means working out/exercising (no gym memberships for you), reading (anything but comics), cooking/eating healthy AT HOME, and finding something you want to study. You can budget in some tv time too (just online shows that you can watch for free, no additional cost).  At MOST, 2hrs time spent with friends on the weekends per week.  And 1/2 hr chatting w/gf (ideally you'd break up) per week.

Step 4:  When you've saved enough, start going to school part time (preferably for a practical trade).  Yes it will take longer if you're still working, and that sucks, but people do it all the time and it HAS to be done.

Step 5:  Get a mentor, someone a little older (20 years or less) who has 'made it,' that you can trust, who can give you some basic directional guidance.

Step 6:  Humble yourself and DO NOT COMPARE YOURSELF TO ANY PERSON FOR ANY REASON, and STOP BELIEVING THAT YOU DESERVE ANYTHING (you might, you might not), but IT DOESN'T MATTER.  STOP BLAMING OTHERS (you might be right, you might not be), BUT IT DOESN'T MATTER. 

 

I get it, not every one needs to go to school, plenty of people do fine without it, maybe even people you know.  BUT you seem aware enough to realize by now that some things that come naturally to others will probably have to be taught to you.  And there's nothing wrong with that, but you've got to put in the work, and you may not think that's fair, but that DOESN'T MATTER ANY MORE.  Lots of people wouldn't be successful without school, even if they struggle, even if/when its tough.  Its not always about the specific things you learn (though often it is), but its about learning how to and proving to yourself you can meet deadlines and show up for class, and take criticism, and work in teams, etc.  These are things that it sounds like you still have room for improvement.  There's just been no evidence that you have the natural business sense to make it without school or additional training.

Your situation is extremely dire, and it will take an EXTREME solution to right the ship.  There will always be investment opportunities in the future, when you've really established yourself. 

 

 

You speak a lot but in a good way. I will answer you later

On 12/17/2018 at 10:44 PM, miraclemet said:

 

But really... Are you clear on the fact that you not paying doesn't hurt them at all (they are huge insured billion dollar Corp), but it does hurt you right?

And it sounds like you looked on line to figure out these big charges, but did you talk to someone about them? They can see more info than you and could tell you where the charges were coming from. Did you call or go to a branch?

Also remember when you talk about "breaking even" to factor in the time lost, and salary lost when spending time in cryptocurrency or comics. If you spent 6 months and "broke even" you really lost cause you have to factor in whatever you could have earned during that time.... 

But it does hurt them. I'm aware of what it's doing to me. I did go directly to the branch many times and they kept telling me to do it over the phone only since it's was separate from them. I learned many things with cryptocurrency and will never consider it a waste of my time. It was a lot of learning curves but it's something I don't regret doing.

On 12/17/2018 at 10:51 AM, oakman29 said:

That's a good one! 

Disney and Steve Jobs didn't just happen to build a company out of nothing. It took many years and hard work to achieve what they had done.

You have to earn your stripes in life, they don't just happen.

You build a lifetime of respect, trust, and honor.

It's a very precious thing at least to me. Everybody from my wife and kids, co workers, customers I take care of,  the bank, and yes to the members of this board. I tell them the truth, and I always take care of my obligations. 

 

Actually, that first page is from the old journal format and I couldn't edit it. I'm aware of what Steve Jobs and Walt Disney did otherwise I wouldn't have them as my inspirations 

On 12/17/2018 at 10:22 AM, newshane said:

Good person? Follow your word and your business contracts. 

Responsible? Pay your debts, move out of your mom's basement, pay your own rent and your own monthly bills. Stop blaming your failures on other people, or your medical conditions. I know plenty of people who face much greater struggles than you do, and they get up out of bed every morning and go to a job they hate so they can pay their own way. It's called LIFE. A responsible person wouldn't blame their debt on the bank. A responsible person would take the blame for overspending and their subsequent inability to pay it off. 

Hard working? That one's easy. Get a real job...and keep it. 

We've been telling you this for years and you never listen. If anything, you've grown worse by an order of magnitude. 

You don't understand that the "road to success" is built on HARD WORK. Seems like you want to take shortcuts, like dabbling here and there in cryptocurrency and comic book deals. 

I don't respect anyone who can't live up to a financial obligation. And you want to start a business? SMH

What's going to happen when you go in for a business loan and they pull your score? Or they do a little bit of research and find out that you basically told a bank to  off? 

You're destroying your life and you refuse to listen to anyone. 

as for the boards...let the schadenfreude continue...

 

 

I'm getting tired of explaining myself so many times over. I already explained all these things to you and the other boardies asking similar questions. You have no idea what I face health wise so lay off. I understand perfectly fine what hard work is but there's a right and work way to do it. What will I do when I want a loan? That's simple. A bank would be the last place I would go and there are plenty of other alternative options.

On 12/17/2018 at 10:09 AM, newshane said:

 

No one is putting words in your mouth. With declarative statements like the ones above, it's unnecessary. 

Go ahead. Show them how tough you are. In the meantime, compounding interest is building up with each day you wait. 

If you can't pay it off now, how will you do so in the future? 

Looks like your road is leading to bankruptcy instead of success. 

You have taken someone's money without paying them back. That's called theft where I'm from. Good luck starting and running a business with your present attitude. 

 

You are putting words into my mouth, you and other boardies. I explained myself many times yet you keep asking the same questions over and over.

On 12/17/2018 at 9:59 AM, comicdonna said:

I'll give it a shot.  Not that it will do any good.  Seems you are still living with your parents, you have an opportunity to put money away and work on being self sufficient.   Get a full time job.  Pay all of your bills on time.  Save every penny that you can.  This means no comic purchases or any other non necessities.  When you have enough to secure your own place, do so.  Don't quit the job until you have secured a better one.  After you have your own place and ample amount of money saved for bills, food, ect... you can purchase a few comics.  Don't sell them right away.  Put them away.  Be sure not to use money out of the savings account.  When you have a healthy inventory of comics, you could sell some/all and buy a real nice book.  Always have a full time job.  Once you have done this, I will show you chapter 2.  

I am working on all those things but you choose not to see it. Also, I consider comic books an investment and would only spend what I can afford.

1 hour ago, oakman29 said:

Dude I really feel for you to be honest.

After reading through all of your life ventures and choices. I  really feel that at the core of your situation that your parents had failed you.

Failed as in teaching you how to be a good person, responsible, hard working, but most importantly to teach you right from wrong, and humility. 

Your road through life is going to be paved with some big potholes if you don't man up and take responsibility for your actions.

I am very sorry for you.

Being a good person, responsible? hard working? Explain to me what all that means to you and I'll answer back.

9 hours ago, AJD said:

I dropped in here hoping for a better outcome. IIRC, one of the few pieces of advice I offered was to cut up that credit card when it arrived.

Good luck and good bye.

Sounds like everyone wanted a better outcome. Also, you don't need to announce or bring attention to the fact that you're leaving just do it.

6 hours ago, oakman29 said:

Amen to that! How is it possible for an out of work , wanna be get a credit card?

At that time I had a job and for 10 months I was working for myself buying and selling comic books and video games

10 hours ago, DeadOne said:

I'm not saying that Gabe is completely blameless, but predatory lending is a real thing.
I highly doubt that he could have taken whatever application he filled out to obtain that credit card to an actual branch office and received the same line of credit.

No current income, no history of sustained work, limited or no savings... sounds like a good candidate for a credit card.

The thing is at the time I had a job for myself that's why I was offered such a thing. They even offered to max out my credit limit to if I wanted

12 hours ago, newshane said:

Really? I blame the guy who entered into a financial contract by signing papers which stated that he was responsible for paying money back with interest. I blame the guy who has no understanding of compounding interest or personal responsibility or simple pride. I blame the guy who feels he's entitled to make demands of his creditors, instead of understanding that it's his own fault that he cannot pay back his loans. I blame the guy who is choosing not to follow through. 

The money on his credit card WAS NOT HIS money. It was the banks. He is outright refusing to pay off his debt because he's unhappy they refused some sort of settlement. 

Of all the things in his journal, this action is perhaps his most offensive, in my eyes. 

The business world runs on credit and the responsible repayment of loans. He is willingly destroying his own credit rating, seemingly oblivious that he is concurrently ruining his own ability to obtain one of his goals - his own business. 

 

Let me clear some things up for you. I read all the terms and conditions, I am and was aware at the time of interest and all other associated charges with the credit card itself. Pride isn't something I shoot for. Also, you can make negotiations with your creditors and that's what you should be doing. Here's another correction for you friend, I said I'm not paying off that debt till I AM ready. Nothing more or less was said so don't put words in my mouth.

13 hours ago, DeadOne said:

I blame the bank that issued you that credit card... unless you lied or exaggerated on your cc application.

I didn't lie or exaggerate about anything. As soon as they saw me getting an income again to my account they offered me a credit card because they said I was eligible for one. Before I even did anything I asked to see all the terms and conditions and I read them over. After I read them over I agreed and signed for it.